Disability Insurance Law
Many individuals through their workplace group benefits plans, CPP, or other insurance policies receive benefits including long-term disability insurance.
In the event of an injury and impairment of your ability to work, an insurer may attempt to deny or limit your claim, or offer a reduced lump sum settlement. By contacting a qualified disability insurance lawyer at our office early, you and your family will have an advocate familiar with the process who can help you meet crucial deadlines and enforce your legal rights to receive appropriate compensation for your injuries.
This is important as an insurer’s legal team may seek to avoid paying based on errors in your application, because you were late in filing an application, or by seeking extensive paperwork that can easily overwhelm even sophisticated applicants.
Insurers have a legal duty to act in good faith towards an insured individual and are not permitted to deliberately deny good claims. Where an insurer wrongfully denies a claim, a disability insurance lawyer may hold them accountable for mental distress caused by a breach of their duty and the “peace of mind” bargain that the Supreme Court of Canada has found to exist in benefit plans.
The disability insurance lawyers at Baker Newby have experience in litigating insurance matters and can provide legal interpretations on benefit plans and insurance contracts as well as provide a legal review of medical records. Our team can assist you to ensure your insurer fulfills their contractual obligations and will guide you through the process to ensure your claim gets settled in a timely matter. Even if your insurer appears to be cooperative, we can review settlement offers before you sign to ensure you are not waiving any legal rights.
If you answer “yes” to any of the following, contact Baker Newby’s disability insurance law team:
- Is your insurer asking you to sign a contract or waiver that you do not understand?
- Has your insurer caused you hardship by delaying processing your claim?
- Are you unable to continue to work in your “own” occupation or in “any” occupation, but your insurer insists otherwise?
- Is there a dispute over whether your education, training and experience make you suited to alternative careers?
- Are either short-term or long-term disability benefits being limited by your insurer?
- Is an insurer refusing a claim for chronic pain, fibromyalgia, fatigue, traumatic stress disorder, or other impairment?
How Can We Help You?
For an initial consultation, tell us a little bit about your case and a member of our law firm will contact you within one business day.
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